Reach your goals with4.9% APY
Products that you’ll love in your relationship.
Individual accounts & balances. Automatically split transactions.
One shared account and balance between you and your partner.
Joint savings pods built for you and your partner.
Don’t know which one’s for you?
Want to know
how we compare?
The savings features your relationship needs.
What are Savings Pods?
Savings Pods are a modern way for couples to save towards their goals. Each Savings Pod that you create is set up as a unique account, which means that you can clearly bucket your savings towards different goals and spend from them using a dedicated account & routing number.
How many Savings Pods can we open?
When you open an Ivella Joint Account you’ll be given one Savings Pod automatically. If you upgrade to Pods+ you’ll be able to create up to 500 Savings Pods.
What do we get with Pods+?
With Pods+ you’ll get the ability to create up to 500 Savings Pods, set a goal for every Pod, create up to 2 virtual cards just for that Pod, and earn the highest APY regardless of direct deposit status.
What APY will we have?
By default, you’ll earn 1% APY on your deposits. If you subscribe to Pods+ or add a direct deposit connection to your account, you’ll earn 4.9% APY across all of your Savings Pods.
Does the APY stay at 4.9%?
APY is subject to change based on the Federal Funds Rate. In any case, we maximize your savings by paying you nearly all of what our banking partner pays us. We will always notify you of impending rate changes.
How is the APY interest calculated?
Interest is calculated daily based on the end-of-day Savings Pod balance.
When is our interest paid?
Interest is accrued daily and paid at the beginning of the following month.
How much does Pods+ Cost?
Pods+ is $5/month per couple.
Is there a free trial for Pods+?
You can try out Pods+ for 30 days risk-free. If you don’t like your experience, cancel within the first 30 days, and we’ll refund you for your entire first month, no questions asked.
How do we fund our Savings Pods?
You can transfer money directly from your Ivella Joint Checking or external bank accounts. You can also set recurring contributions for each Savings Pod.
Is there a deposit limit for Savings Pods?
Each Pod has its own independent deposit and transaction limit. Contributions into one Pod will not affect the limit of another.
What happens if one of us deletes a Pod that has money in it?
Upon deleting a Pod, the money will be instantly transferred back into your joint checking account.
Do Savings Pods have an account & routing number?
Yes, each Savings Pod has its own unique account & routing number.
Are my deposits FDIC Insured?
Yes, your deposits in Savings Pods are FDIC insured for up to $500,000 by Blue Ridge Bank N.A.; Member FDIC.